Choosing a car insurance company is difficult: the rates each insurer offers can vary widely based on your location, age, and driving history, and every company's discounts differ. USAA and AAA are two of the most popular insurers, providing high-quality policies across most of the US.
In an effort to simplify the comparison process, we have pulled average rates from AAA and USAA. The below cover a variety of rating factors, including credit rating, driving record, and age. Check out the below rates and find your next car insurance policy today.
Want to learn more? Check out our full reviews of USAA and AAA.
If you have very poor credit, USAA could be preferable to USAA. Typically, USAA offers better rates than AAA for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should consider USAA, which typically beats AAA by $1,974 annually. Check out typical insurance rates by credit level for AAA and USAA below.
| Credit level | USAA avg. annual premium | AAA avg. annual premium |
| Very Poor (300-579) | $2,682 | $6,569 |
| Fair (580-669) | $1,247 | $4,023 |
| Good (670-739) | $1,057 | $3,723 |
| Very Good (740-799) | $910 | $3,004 |
| Exceptional (800-850) | $840 | $2,814 |
If you're carrying an at-fault accident, speeding violation, reckless driving violation, or DUI on your driving résumé, USAA could be a better choice than AAA. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around to find out which insurance company suits you.
| Citation | USAA avg. annual premium | AAA avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $4,078 |
| At-fault accident (damage > $1,000) | $947 | $4,002 |
| DUI/DWI | $1,952 | $5,530 |
| Reckless driving | $1,472 | $5,530 |
| Speeding ticket | $1,124 | $4,078 |
Insurance companies use age as an estimator of risk, pricing premiums accordingly. An auto insurance policy is typically most expensive for teen drivers — thanks to their inexperience — and more affordable for drivers aged 25 or older. Because every insurance company rates ages in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose USAA over AAA: USAA offers average yearly savings of $7,392, compared to AAA.
| Age bracket | USAA avg. annual premium | AAA avg. annual premium |
| Teens | $2,864 | $10,256 |
| 20s | $1,261 | $4,644 |
| 30s | $963 | $4,644 |
| 40s | $957 | $3,195 |
| 50s | $889 | $3,083 |
| 60s | $845 | $2,887 |
Affordability aside, USAA and AAA each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | USAA | Auto Club (AAA) |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | USAA | Auto Club (AAA) |
|---|---|---|
| Financial Strength | Superior | Good |
| JD Power Rankings | ||
| User Satisfaction | A++ | N/A |
| Other Products | USAA | Auto Club (AAA) |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Auto Club (AAA) |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | Auto Club provides its customers with customizable payment options, competitive rates and excellent features. |
| Roadside Assistance | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge. |
| Additional Discounts | USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance. | AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members. |
| Recent Questions | Our son-in-law is a USAA member (Navy). Can we join also? Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e. Can my brother use his insurance for damage he caused to my vehicle?Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle. Agree to be paid out of pocket with driver with no licenseTo sum, having her pay out of pocket might be your best option. Let me explain. Can I get USAA insurance from son in lawAlthough I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law. See More Questions | Can I bundle my renters and new car insurance? We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency. Does roadside assistance cover people not on your policyI haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users. Customer service for AAA roadside assistance only versus AAA auto insurance?Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. See More Questions |
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